If you are injured in an accident with an uninsured driver, you have a claim against your auto insurance company for uninsured motorist benefits or UIM. Contact your insurance agent or insurance company claim office to set up an UIM claim.
UIM is coverage that pays for the medical expenses, lost income and pain and suffering damages you are entitled to when you are injured or killed in a motor vehicle accident caused by a driver with no insurance or not enough insurance to pay your damages. ORS 742.500(5).
Oregon law requires motor vehicle insurance policies to have the same amount of UIM as they do for liability insurance unless you tell them that you want less UIM insurance in writing. ORS 742.502(2)(a).
The minimum amount of liability/UIM insurance you must have in Oregon is $25,000 per person and $50,000 per MVA but you should have more than that. ORS 742.502(2)(a). You should have UIM coverage of at least $100,000 per person and $300,000 per accident most experts say.
UIM property damage coverage pays to repair or replace your car when it is damaged by a driver with no insurance. You should have this coverage as well. Insurance companies are required t6o make uninsured property damage coverage available if you want it but you are not required to buy it. ORS 742.510(1). If buy it, you must purchase at least $20,000 of coverage per accident. ORS 742.510(1).
For more information read Uninsured and Underinsured Drivers.
Gary R. Johnson is a Central Oregon attorney who has handled personal injury cases since 1994.